I guess it depends on preference, and level of inclusion.
Level 1 (Full KYC)
Use Strike, Cashapp to buy btc, and send it to self-custody address.
Level 2 (No KYC but company knows bank details)
Use Relai, Peach bitcoin to buy btc, and send to self-custody address.
Level 3 (Only peer knows bank details)
Use Robosats, Bisq, HodlHodl to buy btc and send it to self-custody address.
Level 1 - Level 3
⬆️ Privacy increases
⬆️ Effort to use increases
⬆️ Discomfort increases
I hope it helps.
